Recover what is recoverable. Leave the rest alone. Bill on the lift.
A decision layer for payment and cart recovery that sits on a gateway's agent platform, or beside it as an independent measurement and guardrail layer over whichever agent a merchant already runs.
1What it does
* AI voice is gated by value, consent, DND and lawful hours, and ships behind a legal flag. WhatsApp and SMS work without it.
2Goals and guardrails
Holdout-measured, with its interval. Supporting: share of the recovery invoice the lift justifies; days to a powered read.
3Who buys and who uses it
CFO or head of growth at a ₹100-1,000 Cr D2C brand paying outcome fees for recovery.
Product lead for merchant growth or risk at a gateway or checkout company pricing a recovery agent on outcomes.
Growth and ops (rules, channels), finance (the invoice audit), compliance (the decision log).
4India compliance, enforced in the engine
A DND-registered customer still receives transactional messages tied to an existing transaction but not promotional offers; mixing an offer into a service message makes the whole message promotional, which needs consent, non-DND and the 09:00-21:00 window.
Engine: Offers are downgraded to transactional on DND numbers and outside 09:00-21:00; copy is checked for offer language.
Since the TRAI direction of 20 Aug 2024 (enforced 1 Oct 2024), a URL in an SMS must be pre-whitelisted on DLT, so payment links by SMS use registered templates.
Engine: SMS only ever uses the registered template; a model never writes SMS.
Under Meta's template guidelines (effective 1 Jul 2025) a cart-abandonment reminder is a MARKETING template; a notice about a payment the customer attempted can be UTILITY. Marketing templates are billed higher, subject to per-user limits, and opt-out-able.
Engine: Every WhatsApp message is classed utility or marketing, priced accordingly, with a per-customer marketing cap.
Automated voice to customers needs DLT registration, consent, DND scrubbing, the 09:00-21:00 window and 140/1600-series caller IDs, so voice ships behind an explicit legal flag.
Engine: Voice needs consent, non-DND, value and economics; the whole channel sits behind a legal flag.
DPDP Rules were notified in Nov 2025; consent, notice and most fiduciary obligations commence ~13 May 2027.
Engine: Purpose-limited, merchant-scoped, auditable per decision; retention and erasure in the production build.
5Build scope
- • Gate → tier → strategist → attribution
- • WhatsApp (utility / marketing) + DLT SMS
- • EMI and RTO-gated COD levers
- • Randomized holdout + incremental reporting
- • Policy-checked copy; audit log per decision
- • Merchant dashboard, roles, tenancy
- • Voice GA after legal sign-off
- • Uplift model to replace fixed suppression rules
- • Hindi, Hinglish and regional-language copy
- • A/B of timing and cadence
- • Subscription / mandate recovery
- • RTO reduction
- • Dispute evidence
Compliance summaries from regulator and platform sources, reviewed Sept 2026. Performance figures anywhere on this site are simulated, never guarantees.